As someone with anxiety, I’m looking for the bank that is the most secure, and has the least amount of ‘holes’ for a fraudster to get through.
I know that, as a legitimate user, the only way to log in is to use a ‘magic link’, and so if my email is secure (it is - it’s locked with a physical USB key), then nobody will be able to log in.
Beyond that though, let’s say a fraudster wants ‘in’ to my account - they get in touch with firstname.lastname@example.org or they call up. What hoops are in place that they would have to jump through? If they had stolen my ID, could they use that, or would a new selfie video be needed too? What if they didn’t have access to my email address (and just said they were me but couldn’t access it for whatever reason)?
To turn the question on its head, if I legitimately couldn’t access my email account, lost my ID, and couldn’t remember my PIN, how would I get access to my account again?